Whether it is shopping online or making cashless transactions, whether it is to complete your professional assignments or keeping your personal commitments, having a top of the line smartphone helps you do it all on the go. With new launches hitting the market every year, upgrading your smartphone ever so often is necessary as it gives you access to better features and perks. However, premium mobiles and flagship smartphones often come with a big price tag, which can be difficult to pay upfront. Thankfully, there is an easier financing option you can take advantage of and that’s by shopping from the Bajaj Finserv EMI Network.

Read on to learn how to get a mobile phone on EMI without credit cards and manage your budget with ease.

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Shop on the Bajaj Finserv EMI Network

If you’ve ever wondered how to buy a phone on EMI with ease, shop on the Bajaj Finserv EMI Network, which has more than 60,000 partner stores across 1,300 cities. The EMI Network gives you access to top-tier smartphones from brands like Samsung, Vivo, Oppo, Sony, Xiaomi, iPhone, Gionee, OnePlus, Realme, Google Pixel, and more at affordable EMIs starting at just Rs. 749. Some of the well-known partner retailers include Amazon, Flipkart, Croma, Reliance Digital, Vijay Sales and many more so that you have the luxury of choice when it comes to smartphones.

Bajaj Finserv also allows you to opt for a flexible tenor which ranges from 3 to 24 months so that you can comfortably pay for your purchase in instalments. Lastly, when you purchase via the EMI Network, you benefit from No Cost EMIs which means that you do not pay a single rupee over the purchase price of the smartphone. It also gives you access to exclusive discounts and cashback deals which you can use to your advantage.

How to buy a mobile on EMI without a credit card

Getting a mobile on EMI without a credit card is fairly easy when you purchase through the EMI Network. All you have to do is use the Bajaj Finserv EMI Network Card and enjoy a cashless transaction. Furthermore, to avoid the hassle of carrying this card around, you can easily access it through the Bajaj Finserv Wallet app at any time.

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Visit a partner retail store and opt for in-store financing

The Bajaj Finserv EMI Network has partner sellers all across India. Thanks to this, you can find a partner retail store around the corner and get EMI financing on the smartphone of your choice. All you have to do is visit the partner store, select the phone you want to buy, and fill up an online form with the help of a Bajaj Finserv representative. You will also need to submit KYC documents, a cancelled cheque, a photo and ECS mandate. You will then receive a message on your registered mobile number with your pre-approved EMI financing amount from Bajaj Finserv and you can then proceed to complete your purchase. If you already have the Bajaj Finserv EMI Network Card, you can simply show it to purchase your chosen smartphone on EMI without any documentation.

Visit an online partner and pay conveniently

You can also shop for a smartphone on EMI without a credit card online if you already have the Bajaj Finserv EMI Network Card. After picking up the smartphone model of your choice, simply select the EMI financing option at checkout from an online partner store and input the necessary details. In a few cases, you may even get the smartphone with zero down payment too!

Now that you know how to purchase a mobile on EMI without a credit card, keep in mind that EMIs significantly reduce the strain on your wallet. Buying a smartphone on EMI without a credit card allows you to enjoy the best technology from top-tier brands affordably. To get started, check your pre-approved offer to get access to a tailored EMI financing deal and enjoy instant approval to bring home the smartphone of your choice today!

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I authorize Bajaj Finserv representative to call /SMS towards this application and other products/services. This consent overrides my registration for DNC/NDNC. T&C

Terms and Conditions

By checking the 'Submit' button below and by entering the one-time password (“OTP”) sent by Bajaj Finance Limited (“BFL”), I hereby agrees and acknowledges that I

Am 18 years of age,

Can understand, read and write in the English language,

Have read and understood the terms and conditions contained below (“Terms”).

I agree that my action of entering the OTP sent by BFL and clicking the “Submit” button, constitutes a valid acceptance by me of the Terms contained herein and creates a binding and enforceable agreement between me and BFL.

I declare that all the particulars and information provided by me are true, correct, complete and up-to-date in all respects and that I have not withheld any information whatsoever.

I confirm that I have/had no insolvency proceedings against me nor have I ever been adjudicated insolvent by any court or other authority and I further confirm that I have read the information on various loan products made available by BFL on www.bajajfinserv.in/finance

I authorize BFL to exchange, share all information and details as provided by me and in relation to my existing loans and/or repayment history to any third party including but not limited to its group companies, service providers, banks, financial institutions, credit bureaus, telecommunication companies, statutory bodies, business partners etc. for customer verification, personalization of products or services, credit rating, data enrichment, marketing or promotion of BFL services or related products or that of its associates/business partners and affiliates or for enforcement of your obligations and I shall not hold BFL (or any of its group companies or its/their agents/representatives/ business partners) liable for the use/sharing of the information as stated above.

I agree and affirm that BFL may contact me and communicate with me over telephonic calls, or SMS on the mobile number mentioned herein, or through any other communication mode (“Communication Modes”) to verify the details provided by me . Further, I confirm that I would like to know through the above mentioned Communication Modes various BFL loan offer schemes or loan promotional schemes or any other promotional schemes relating to various products/services offered by BFL/its group companies/business partners from time to time and hereby authorize BFL, its group companies, employees, agents, associates, business partners to contact me from time to time for the same.

I hereby expressly consent and authorise BFL/ its representatives/agents/ its business partners/its group companies/affiliates to send me any communication regarding products/services offered by them using various communication channels, such as, telephone, calls/SMS/bitly/bots/emails/post etc.

I undertake to keep BFL updated of any change in the information provided by me.

I understand and acknowledge that Bajaj Finance shall have the absolute discretion, without assigning any reason to reject my loan application and that Bajaj Finance shall not be responsible/liable in any manner whatsoever for such rejection.

I further understand and agree that pursuant to this application form, I will be required to submit documents to the satisfaction of Bajaj Finance and accept the loan terms and conditions for availing the loan granted to me by Bajaj Finance from time to time.

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Terms and Conditions

By checking the 'Submit' button below and by entering the one-time password (“OTP”) sent by Bajaj Finance Limited (“BFL”), I hereby agrees and acknowledges that I

Am 18 years of age,

Can understand, read and write in the English language,

Have read and understood the terms and conditions contained below (“Terms”).

I agree that my action of entering the OTP sent by BFL and clicking the “Submit” button, constitutes a valid acceptance by me of the Terms contained herein and creates a binding and enforceable agreement between me and BFL.

I declare that all the particulars and information provided by me are true, correct, complete and up-to-date in all respects and that I have not withheld any information whatsoever.

I confirm that I have/had no insolvency proceedings against me nor have I ever been adjudicated insolvent by any court or other authority and I further confirm that I have read the information on various loan products made available by BFL on www.bajajfinserv.in/finance

I authorize BFL to exchange, share all information and details as provided by me and in relation to my existing loans and/or repayment history to any third party including but not limited to its group companies, service providers, banks, financial institutions, credit bureaus, telecommunication companies, statutory bodies, business partners etc. for customer verification, personalization of products or services, credit rating, data enrichment, marketing or promotion of BFL services or related products or that of its associates/business partners and affiliates or for enforcement of your obligations and I shall not hold BFL (or any of its group companies or its/their agents/representatives/ business partners) liable for the use/sharing of the information as stated above.

I agree and affirm that BFL may contact me and communicate with me over telephonic calls, or SMS on the mobile number mentioned herein, or through any other communication mode (“Communication Modes”) to verify the details provided by me . Further, I confirm that I would like to know through the above mentioned Communication Modes various BFL loan offer schemes or loan promotional schemes or any other promotional schemes relating to various products/services offered by BFL/its group companies/business partners from time to time and hereby authorize BFL, its group companies, employees, agents, associates, business partners to contact me from time to time for the same.

I hereby expressly consent and authorise BFL/ its representatives/agents/ its business partners/its group companies/affiliates to send me any communication regarding products/services offered by them using various communication channels, such as, telephone, calls/SMS/bitly/bots/emails/post etc.

I undertake to keep BFL updated of any change in the information provided by me.

I understand and acknowledge that Bajaj Finance shall have the absolute discretion, without assigning any reason to reject my loan application and that Bajaj Finance shall not be responsible/liable in any manner whatsoever for such rejection.

I further understand and agree that pursuant to this application form, I will be required to submit documents to the satisfaction of Bajaj Finance and accept the loan terms and conditions for availing the loan granted to me by Bajaj Finance from time to time.